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  • FIRST POST
    • apple muncher
    • By apple muncher 29th May 17, 7:47 PM
    • 6,323Posts
    • 46,000Thanks
    apple muncher
    NST June 2017: Jiggle Free June
    • #1
    • 29th May 17, 7:47 PM
    NST June 2017: Jiggle Free June 29th May 17 at 7:47 PM
    NST June 2017: Jiggle Free June

    Welcome one and all to your 30 day June challenge.

    An opportunity to reduce how much you jiggle – financially, fitness-wise, healthwise…

    This is an opportunity to decrease your debt, increase your savings, reduce your wants, reject consumerism, use up foodstuffs that have been lurking at the back of the cupboards for far too long, simplify your life and move forwards.

    To quote ninjasavingkat: “As we clear out debts, we clear our lives. Of things that tie us down, make us unhappy, look untidy, feel wrong and don't fit our lives any more. The idea of clearing our debts is to improve our life - right?!? Well we need to be healthy in order to enjoy this debt free life, don't we?”

    These are the rules:

    • This challenge will commence on the 01st June and end on the 30th June.
    • You will aim for 12 Non Spend Days (NSDs) plus an added extra of your choice... so another 4, another 9. You decide! You do not lose an NSD for medication or fuel or purchasing ONLY yellow stickered goods.
    • Pay towards your debt first! This is imperative. You have your debt free date in mind (I hope!) Well calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples.
    • Set your budgets now, before the month starts. What you are spending on food, petrol, bills, clubs for the little ones and what you are using as a back-up plan or miscellaneous budget. Set that money aside and stick to it for the month.
    • You need to incorporate 3 proper exercise sessions a week. These are to get the heart rate up. The cleaning or ironing doesn't count. It has to be 20 minutes minimum as well - MAKE IT COUNT! (I am limited by having damaged my big toe rather badly, so no aerobic anything here. But I can still do squats, deadlifts, elevated push ups (ha ha!!!)… It’s not what you can’t do, but finding a way around your limitations.)
    • This month, make every effort to use your everyday routine to add an "extra" session of fitness wherever you can - in every way possible add little extras to your day and don't look for the 'easy" option all the time.
    • Plan Plan Plan. Look at the month ahead and be prepared for what is coming your way. Do you need to get more cat/dog food..? Prep now so you don't have to use your credit card or panic. Preparation is the key to success.
    • Plan your outings – remember: no cafes / restaurants / work canteens / no vending machines or corner cafes… Take food and drinks everywhere with you.
    • Check in here every day – we love to share in victories whether large or small, cheer each other on, and support each other in tough times.
    • And finally: reject consumerism as much as you can. This might seem hard, unrealistic, or even stupid, but the longer you have been doing these challenges, the more you know it makes sense. Tell us your triumphs!
    Who is with me?



    Last edited by apple muncher; 29-05-2017 at 7:58 PM.
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 11
    • Fmess
    • By Fmess 11th Jun 17, 2:32 PM
    • 2,518 Posts
    • 23,739 Thanks
    Fmess
    SFD number 5 today. Yesterday was food shop, lunch out and then an unexpected afternoon at the RHS flower show as my friend's husband couldn't go. She wouldn't let me pay for the ticket (£30ish) or petrol so I bought her a plant for £6 and she was really happy. Although I spent when I didn't expect to, it was a lovely afternoon and cost less than £20 in total.

    I haven't really done anything well so far this month, except complete all my examining so far. But for the next 10 days I am going to stick to slimming world and not spend on socialising.

    The sunshine has just come out so I'm going to mow the lawn and the put my feet up, all other chores were completed this morning
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £1425/£8542
    SeptNST #? SFD 1/18 Food 101.16/120 Personal 160/200 Petrol 50/100
    • abundant1972
    • By abundant1972 11th Jun 17, 3:03 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Happy Sunday all...

    Today I am grateful for:
    • The sunshine
    • For finding energy to kick myself to the gym
    • For everyone's posts this month
    Friday = NSD number 5
    Saturday and today were spend days

    Thanks Applemuncher for the 1/3 of the month reminder. I find it really helpful to have that - and it breaks the month into manageable portions!

    I am aiming for 20 NSDsin total ~ 7 per week. I will bump up the number and try and group spending together. My exercise goal has been poor - out of a possible 6 CV sessions - I have done 1 (going for another when I have finished this!). Mothernerd - my June STAR calendar looks very lonely - just 1 sparkling on today's date! Glad you are adopting it too... A visual cue really seems to help me (... feel very guilty or smug when I am doing well lol). Similarly, my mindfulness has sucked! Out of 14 I managed 2 haha!!! I'm going to be more disciplined and like you suggested Applemuncher - do it first thing - no excuses.

    Enjoy the rest of the weekend. I am going to go for a walk and do some meal prep for next week. Then collapse with a well deserved glass of vino!!!


    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • FurryBeastOz
    • By FurryBeastOz 11th Jun 17, 3:36 PM
    • 1,082 Posts
    • 14,289 Thanks
    FurryBeastOz
    We are now one third of the way through June.

    Look back on the last 10 days and reflect on what you have done well.

    Then look at the next 10 days: what will you choose to focus on.
    Originally posted by apple muncher
    What I have done well - survived. And not picked up a drink. I'm happy with that

    Also 6 NSD's. (Other than budgetted non variable items like Church today)

    Exercise - I've been manic trying to keep my mind off the work issues.

    Mindfulness/Me time - I need to focus on this. I went to the GP on Friday and she has signed me off until the end of the month (so I can't be blackmailed back to work my notice by ex-boss). So I have until then to calm down, write my CV, utilise the career counselling I have been offered by my professional body, and organise some counselling to help me talk through what's going on in my head.

    Fairly quiet month hey
    *** Debt Free***
    NST September - /18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/9/17 £2152.27/£3,500, 61.5/66.6% of the year. Had to raise budget
    • Toni'sfriend
    • By Toni'sfriend 11th Jun 17, 4:08 PM
    • 817 Posts
    • 7,296 Thanks
    Toni'sfriend
    We are now one third of the way through June.

    Look back on the last 10 days and reflect on what you have done well.

    Then look at the next 10 days: what will you choose to focus on.

    (I'm going to increase my 'extra' exercise and really make my workouts count)
    Originally posted by apple muncher
    I'm doing well with NSDs but this is mainly due to not getting out because of bad weather and household appointments. The downside is exercise is rubbish and I don't think that's going to improve much this week as C and I are going to a funeral on Wednesday and little time for walking. We are going to have to stay in a hotel for 2 nights. The cost of the hotel and meals are coming from our travel/holiday fund but we won't have to pay for fares as we can use our travel cards to get there. We have been offered a lift to the crematorium which is 20 miles from the town where they stay. I'm very grateful to the kind person who is doing this as we wouldn't have been able to attend otherwise and I really wanted to as I was very fond of my cousin. So, a huge to do list for tomorrow - early night, I think.
    • SkintTeacher
    • By SkintTeacher 11th Jun 17, 5:54 PM
    • 323 Posts
    • 1,872 Thanks
    SkintTeacher
    nsd 5 today
    Quite pleased with that as I find them really hard to get at the weekend.

    Off to the gym later.
    • lcc86
    • By lcc86 11th Jun 17, 6:37 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Evening all!

    Things I have done well over the last 10 days - really stuck to the shopping budget and exercise targets/healthy days.

    Things I need to focus on over the next 10 days - increasing my NSD count! I've managed 5 out of the 15 I want so need to be stricter with myself.

    Today once again hasn't been a NSD - I was naughty and spent £4 on a sunbed before holiday at the end of the month. I always burn on holiday if I don't build up a little tan first. I've been out volunteering most of the day and then took my share horse out for an hour and a half so LOADS of exercise done. Weather was super nice and it's been a very pleasant day all round.

    Should be able to rack up a good few NSD's next week.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • cuddlymarm
    • By cuddlymarm 11th Jun 17, 6:59 PM
    • 1,087 Posts
    • 4,931 Thanks
    cuddlymarm
    Hi guys
    I had a lovely walk along the Promenade into town today. Absolutely blowing a gale, but not cold, definitely blew a few cobwebs away.
    I needed a birthday card and stamps ( I managed to get a birthday card 69p long ago are the days of spending £s on bits of paper to go in the bin after a few days) I couldn't get stamps so that will have to be a tomorrow job.
    My walk counted towards my exercise which is good.
    This evening I have 2 hand knitted scarves I had made. To wide and just not comfy to wear so I'm going to unravel and reknit thinner. That will also keep my hands busy.
    The soup yesterday was lovely and two more portions in freezer.
    I'm gradually getting organised in our new home and have started collecting 20p pieces towards holidays.
    I applied for 2 more jobs last night so eventually someone will want to give me an interview I hope.
    Anyway time to go cos the Formula 1 is about to start
    Keep well guys
    Cuddles
    August food spend £94.18/£120
    Exercise week 1 4/4 week 2 5/4 week 3 week 4
    NSD5/15
    Treat budget £43.75/£40
    • apple muncher
    • By apple muncher 11th Jun 17, 8:05 PM
    • 6,323 Posts
    • 46,000 Thanks
    apple muncher
    Ccl - well done on still standing! With all that is piled on your plate, you are doing brilliantly.

    Fmess - well done on completing the marking. And your day out sounds wonderful.

    Abundant - well done on hanging in there with life throwing sidewinders at you. Get going on that mindfulness, please.

    FBO - a MASSIVE well done on not touching the alcohol . And on sorting out so much positive stuff for yourself in such a tough time. Well done for not hiding under the duvet.

    Toni'sfriend - well done on arranging things to be able to go to your cousin's funeral. The exercise/walking will happen, but there are times when you have to accept that it has to be put on hold for a while, and often it ebbs and flows. Whose life ever goes on a smooth, straight line, eh?

    Skintteacher - well done on getting a weekend NSD And going to the gym .

    Lcc - well done on sticking to your plans . You are 1/3 of the way there with NSDs and 1/3 of the way through the month, so all on track.

    Cuddlymarm - sounds like a lovely day! Well done on re-using the wool And getting organised in your new home.


    So, I may have overdone it with the applause, but it is a good thing to celebrate our successes. Well done one and all!!
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • x_raphael_xx
    • By x_raphael_xx 11th Jun 17, 9:08 PM
    • 3,376 Posts
    • 16,911 Thanks
    x_raphael_xx
    We are now one third of the way through June.
    Look back on the last 10 days and reflect on what you have done well.
    Then look at the next 10 days: what will you choose to focus on.
    Originally posted by apple muncher
    What I have done well - Pleased with my NSDs, 5/10, and 4 of those were holiday days.
    I'm also pleased with my exercise. I may not have reached 10,000 everyday (Monday was particularly abysmal at 3500). But I have racked up a whopping 20,000 steps today, so on average I've reached my daily goal. And I managed my 3 runs.
    Looking ahead - Focus on my steps again, and my running. I also want to keep a close eye on my calories, as it's one of my downfalls.

    Not much done today, apart from an 8 mile walk with my besty. Which is where I racked up my 20,000 steps. My ankles are a little sore where they were rubbing on my boots, but it was a very enjoyable walk.

    NSD's 6/20
    3 exercise sessions a week 3/3 - Three Runs
    Extra fitness session 10,000 daily goal. 20,000 steps reached today.
    Reject consumerism If I had taken my wallet with me I might have been tempted with an icecream, but consumerism was rejected today!
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • Jo Blogs
    • By Jo Blogs 12th Jun 17, 6:54 AM
    • 751 Posts
    • 2,593 Thanks
    Jo Blogs
    Good morning everyone

    Great posts and NSDs as always - keep up the great efforts

    I've managed 10 NSDs so far this month, but I think today might be a spendy.

    Wishing you all a super NSDay!
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • misstara
    • By misstara 12th Jun 17, 7:32 AM
    • 2,358 Posts
    • 16,340 Thanks
    misstara
    Morning all

    What I have done well
    - meal planning, our food bill is way below what it was this time last month
    - daily steps, although I have not managed to go to the gym or for a run so far this month I am consistently reaching my 12,000 steps target and most days getting to 20,000

    To focus on
    - now that I feel better, I need to get back into going to the gym/running so in the next 10 days I'm going to aim for 2 runs and 2 gym sessions. I've taken my stuff with me to work today so will do something after work

    Saturday was a spend day as we went a food shop and I also bought a belated birthday gift for my gran and gift for father's day. Yesterday was a NSD 5/16.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 6/8, Gym 1/4. Groceries target £101.46/£150. NSD target 8/18.
    • thriftylass
    • By thriftylass 12th Jun 17, 9:38 AM
    • 2,994 Posts
    • 24,478 Thanks
    thriftylass
    Good morning,

    not doing well on the NSD front. Spent on Friday as I did the big shop, paid the vet £120 again and went out for a few drinks. Quite funny how people commented on the fact that it was me out and not DH. Must have been the first time in at least half a year or more. So we said we girls need to catch up more and we might do a monthly drink after work. Just a couple and early enough finish to get the bus rather than a taxi.

    Cat is ok, will wait with the insurance claim till Tuesday when we now if we need to pay more for some steroids or similar treatment once the biopsy results are back.

    Saturday was just a small shop and then Sun too. Would need to actually check the receipts to know what it was , probably the slug pellets for the garden or tea because granda is staying with us just now to take care of chickenpox DS.

    Wallet left at home and fast day number 1 this week. Swim later too.

    Have a good day
    Last edited by thriftylass; 12-06-2017 at 9:43 AM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Florence J
    • By Florence J 12th Jun 17, 10:14 AM
    • 1,577 Posts
    • 8,930 Thanks
    Florence J
    Without really realising it I achieved a good amount of exercise sessions last week.

    My goals for the next ten days.

    *Do 4 sessions on the exercise bike, including one that is 90 minutes long.

    *Arrange X Ray on my leg to see if I have a stress fracture so I can know if I need to rest it or if I can take up running again.

    *Get all the documents I need ready to do my self employed taxes.

    *Attend introductory session with my potential counsellor-arrange first formal session if a good fit, find someone else if not.

    *Go to the library and take out books to do with Mental Health/Social Anxiety/Depression as I am in a bit of a low state at the moment (the fact I am arranging to see a counsellor may have been a clue)

    *Keep up with my blogging and other general commitments.
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1505.37 Pay off all your debts by Xmas 2017 #53 (£2743.11/£3000) Debt to OH paid back £1120.95/£1120.95
    September 2017 Credit Card Debt: £4344.96
    • lcc86
    • By lcc86 12th Jun 17, 1:31 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Today will be NSD number 6, and I've also managed a decent brisk walk this morning and another at lunchtime so will count that as my exercise for the day.

    Not much else to report, work is a little bit soul-crushing today and it's only Monday!

    Couple of DD's went through this morning but most bills paid for the month. This week should be pretty quiet.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • Calling14
    • By Calling14 12th Jun 17, 1:31 PM
    • 2,482 Posts
    • 18,462 Thanks
    Calling14
    We are now one third of the way through June.

    Look back on the last 10 days and reflect on what you have done well.

    Then look at the next 10 days: what will you choose to focus on.


    Originally posted by apple muncher
    How quickly has that gone.
    Last 10 days blown most budgets.
    Food 45/100 Petrol 40/40 House 50/60 Going out/hols 93/300 Me 45.80/50 and car 460 oops failure to budget, trying to pay my debts off too quickly.
    SFD 6/16 to include today as well.

    Yesterday I booked tickets for 2 gigs 1 next year and one this Oct so that is included in my going out budget. I like something to look forward to.

    Me budget awful - put 10 charity donation paid yesterday as dd was doing color run, back treatment 28 and rest hair products. Hope to get 14 back off medicash for my back treatment. Aveda hair product will last for at least 6 months.

    Next 10 days,
    Hope to get at least another 6 SFD,
    Sort out cheaper house insurance as renewal just gone up by 12 pounds.
    Now my back is doing great exercise will commence. 10k a day at the very least.
    Try and use my survey vouchers for food shopping.
    Hoping Argos will refund me 12 pounds due to a slip up on my lamp order.

    Other targets
    Find a decent boyfriend in 10 days
    Paint my banisters before my dd2 arrives home. Was going to do it before she left 18 months ago
    Have fun, be happy and stop worrying.
    LBM 13039 1.1.13 NOW 1460
    PAYDBX 2017 #16 2840/4300 DFD 12/17
    E
    Fund #9 £30/£1,000
    1 x 100 days challenge 242/2000 ends 29/12/17


    • crazy_cat_lady
    • By crazy_cat_lady 12th Jun 17, 2:03 PM
    • 3,330 Posts
    • 28,600 Thanks
    crazy_cat_lady
    Hi all
    Struggling a bit to get going today because I didn't sleep well last night at all. Not getting a lot of relaxation done but still doing better than I was last year during exam season.
    Aiming for a nsd

    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Toni'sfriend
    • By Toni'sfriend 12th Jun 17, 4:01 PM
    • 817 Posts
    • 7,296 Thanks
    Toni'sfriend
    Have managed to do everything on my list today plus a short walk to the shops. I feel when I don't keep up the momentum I have to start from the beginning again but it's difficult at the moment so I'll just plan to start again next week. Had a small spend today on things which will be needed today or later in the week including ingredients for sandwiches to save us buying lunch in Edinburgh tomorrow. As we'll be having dinner at the hotel lunch as well would probably be too much for me and Edinburgh is an expensive city.
    So, planning to leave fairly early tomorrow, Taking my tablet so will try to check in.
    • XSpender
    • By XSpender 12th Jun 17, 4:48 PM
    • 2,588 Posts
    • 26,722 Thanks
    XSpender
    Hello

    I am back from my short break so will be joining in again from today.

    All my debt payments have been paid this month and due to a bonus from work I am hoping to clear another £200 or so.

    Food budget is looking tight as DH bought lunch everyday spending £50 on food when I was away but is getting the frozen sandwiches I made this week instead.

    We had an insurance claim for storm damage just before I went away and this has paid out. We have decided to repair rather than replace as the item is old and will be replaced in 4-5 years old and a repair or 2 will cover those years. The money will be used elsewhere in the house instead.

    My focus for the rest of June is:

    1) 10 NSDs
    2) Run 3 times a week and to be running 30 minutes continuously by the end of the month
    3) Pay £1000 off the debt in total this month
    4) No CC spending
    5) Begin to eat a grain and sugar free diet
    6) Earn £20 doing surveys
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • FurryBeastOz
    • By FurryBeastOz 12th Jun 17, 8:39 PM
    • 1,082 Posts
    • 14,289 Thanks
    FurryBeastOz
    NSD today.

    Otherwise today wasted waiting for non-existent call backs from lawyers. Frustrating and increasing my anxiety. But I found an app to try 'Calm' in the hope that it will help me deal with the anxiety that is building.

    Also, phoned to organise some counselling sessions. I need to talk - the Diazepam and Anti-depressants the GP suggested going back to do not help me deal with the disordered thinking and just delay addressing the issues for me.

    Exercise - PT session. Back up to the 50kg squat I was doing before I hurt my back in July last year. Very satisfying. Also hit 60kg weigh in. Yay. I want to see those 5's
    *** Debt Free***
    NST September - /18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/9/17 £2152.27/£3,500, 61.5/66.6% of the year. Had to raise budget
    • x_raphael_xx
    • By x_raphael_xx 12th Jun 17, 9:02 PM
    • 3,376 Posts
    • 16,911 Thanks
    x_raphael_xx
    Nice chilled day today, work went well, then a stroll with the pup & a tasty chicken salad for tea.
    I did get a scare out on the w.a.l.k however, Duncan started urging (he was grazing on the grass) but then he lost control of his legs and collapsed to the ground. I picked him up and tried to get him to stand and after a minute he finished his throwing up and was back to his normal self.
    I thought he'd eaten some poison or something (we get the occasional story of poisoned food left out in parks, luckily not our park, but I always try to keep aware)
    I think his collar might have gotten a little tight on this throat as he was urging and he was passing out. His collar is quite loose on him while trotting nicely, but can get tight when he's pulling. One more notch and it would slide over his head.

    Probably only manage 8000 steps today, but I think my legs deserve a rest after my hike yesterday.

    NSD's 7/20 - No spend today. Although tomorrow will be an expensive day as we have to pay the solicitors. House buying is getting close!
    3 exercise sessions a week 0/3 nothing yet this week
    Extra fitness session 10,000 daily goal. 8000 today
    Reject consumerism Nothing bought today.
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
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